Routing #: 031311593

Student Banking

Student Banking

Smart Savers Club

Our Smart Savers account is designed with your child in mind. Smart Savers is a perfect way to teach children in Kindergarten through 8th grade how to save and spend wisely.

  • Open with as little as $5.00
  • Account is held in child’s name (A parent must be a joint owner, but this is not an UTMA account)
  • Parent must be present for withdrawals under the age of 16
  • Interest accrues daily and is paid semi-annually on balance in account (Must have balance of at least $1.00 to earn interest)
  • No minimum balance requirement
  • No monthly service charge
  • Earn cash for good grades – Your child can present their report card at the end of every grading period and receive $5 deposited into their account for each “A” (or equivalent) in Math, Science, Social Studies and English Language Arts ($20 max per grading period. Report Card must be presented within 45 days of the marking period end date.)

Student Checking

Student Checking is designed to give students, age 13 – 26 years, financial independence and help them establish a sound financial foundation for future decision making.

  • Open with as little as $10.00
  • Requires current student ID to open account (under age 18 requires parental approval for account and debit card)
  • Fleetwood Bank Debit Card with unlimited free access to Fleetwood BankATMs or Money Pass ATMs (refund up to $6.00/month in foreign ATM fees) 
  • Online Banking and Mobile Banking
  • No minimum balance requirement
  • No monthly service charge
  • Requires a minimum of 5 debit card transactions per month
  • E-Statements required
  • $5.00 Monthly maintenance fee waived if debit card and E-Statement criteria met (Fee waived for students under age 18)
  • Mobile Card Services access
  • No person-to-person transfer fee

Student Loans

Through the PA Forward Student Loan Program, the Pennsylvania Higher Education Assistance Agency (PHEAA) offers private student loan options to enable Pennsylvania students to pursue their higher education dreams and to make managing their loans easier and more convenient.

  • No application or origination fees
  • Low fixed interest rates
  • Multiple repayment options
  • Potential interest rate rewards
  • No prepayment penalty

For undergrad, grad, and parent loans, you can even borrow up to 100% of the certified cost of attendance (tuition, fees, room, board, books, etc.).

The PA Forward Student Loan Program is designed specifically for students or parents/guardians of students who are enrolled or who plan to be enrolled in a degree, certificate, or diploma granting program.  For Parent loans, the student must be enrolled half-time.  These loans are meant for:

  • PA residents attending an approved school in or out of PA
  • Students from an approved state (DE, MD, NJ, NY, OH, VA, and WV) attending an approved PA school
  • U.S. citizens or eligible non-citizens of the U.S.
  • Borrowers and/or co-signers who meet the minimum credit requirements

The PA Forward Refinance Loan is a loan designed specifically for those who are in repayment and want assistance with managing their student debt. This loan is meant for:

  • Any PA resident or resident of an approved state (DE, MD, NJ, NY, OH, VA, and WV) who is the borrower for the student loans
  • Borrowers who are currently in repayment
  • U.S. citizens or eligible non-citizens of the U.S.
  • Borrowers and/or co-signers who meet the minimum credit requirements

The PA Forward Student Loan Program does not require you to have a co-signer unless you have not met the age of majority based on your law of your state of residence or you do not meet the minimum credit requirements. However, you may benefit from a creditworthy co-signer. Having a co-signer may increase your chances that the loan will be approved and, perhaps, may get you a better interest rate.

Currently there are four loan types in the PA Forward Student Loan Program.

Undergraduate Loan – Learn More/Apply
A loan designed specifically for students seeking an undergraduate degree, certificate, or diploma.

Graduate Loan – Learn More/Apply
A loan designed specifically for students seeking an advanced degree such as masters, doctoral, law, health profession, or others.

Parent Loan – Learn More/Apply
A loan designed specifically for parents or guardians of dependent undergraduate students.

Refinance Loan – Learn More/Apply
A loan designed specifically for borrowers in repayment to manage their student debt. Get payment estimates too!

The world of student aid can sometimes be difficult to navigate. However, it doesn’t have to be. We have gathered information that will make it easier for you to understand.

EducationPlanner.org
This career and college planning website provides practical and easy-to-understand advice to help prepare students for the important decisions they will face in the future.

MySmartBorrowing.org
Using this interactive tool, you can create up to 4 different scenarios to see how your career and college choices may affect how much you pay for college and if you are at risk for overborrowing.

YouCanDealWithIt.com
This website provides practical and easy-to-understand advice on how to deal with common financial situations facing today’s college students and recent graduates.

Note: If you visit one of the above sites, please remember to come back to this site if you decide to apply for a PA Forward Student Loan.  For specific loan program questions please call 1-844-PAFORWD (1-844-723-6793).

Starting December 6, 2022, you will notice a more modern, user-friendly interface for an enhanced account holder experience across our ONLINE and MOBILE BANKING platforms. You will see a NEW LOOK, but still have the SAME GREAT FEATURES, and more! Click here for more information.

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